Not an AIBU but posting here for traffic.
DS passed his driving test in June. He already owned his own car and had learner driver insurance so we needed to change that to full licence driver. I did a search and most of the policies were coming up as £1500+ (up to eye watering amounts) and black box. A company called Beagle Car Insurance came up on the search engine so I filled in the contact form on their website. They rang DS and gave him a price that was significantly lower than all others but the premium needed to be paid in full, no instalments. I did voice my concern but DS, being 18 and in a hurry decided to go with them and paid the premium in full. They emailed him a certificate of insurance.
Last night DS crashed. Police, fire service and air ambulance in attendance. DS and passengers all walked away with minor injuries thankfully. One of the police officers said that DS' car wasn't insured but we showed him the certificate and they accepted this and nothing more was said at the scene. This morning, when attempting to get in touch with the insurance company we've discovered that it was a fake company. It's on the FCA website from the beginning of July.
Has anyone else been a victim of this? If so, what were the implications for your licence, fines etc? Should we let the police know or wait for them to contact us? Any advice would be very welcome.